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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $106,155 | $61,356+73.0% | $149,696-29.1% | $71,511+48.4% |
| Participation rate | 54.8% | 62.5%-7.7pp | 78.8%-24.0pp | 67.9%-13.1pp |
| Annual return | 15.87% | 35.86%-20.0pp | 134.46%-118.6pp | 28.86%-13.0pp |
| Employer contribution / active EE | $2,370 | $2,382-0.5% | $4,821-50.8% | $2,589-8.5% |
| Participant deferral / active EE | $5,180 | $2,920+77.4% | $5,682-8.8% | $4,291+20.7% |
| Admin fee / account holder | $2,897 | $1,263+129.4% | $13,212-78.1% | $1,588+82.4% |